2019 Yichang five insurance and gold payment base ratio, five insurance and gold minimum standard

Reveal the five insurance and one gold in Yichang City: housing fund long-term not cost-effective

Looking for work, in addition to asking for wages, generally have to ask how to pay the five insurance and one gold. Because you live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live. But there are some secrets that you don't know about the five insurance. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can be insured, and so on.

The following is the secret of the "five insurance and one gold":

Here is the ratio of the five insurance and one gold for you to introduce Yichang:

The ratio of the social insurance unit and the individual to pay

Pension insurance: 20% for the unit, and 8% for the individual

Medical insurance: 7% for the unit, and 2% for the individual

The ratio of the social insurance unit to the individual

The ratio of the social insurance unit to the individual to pay

Unemployment insurance: unit 2%, individual 1%

Industrial injury insurance: unit 0.5%, individual does not contribute

Maternity insurance: unit 0.8%, individual does not contribute

Provident fund unit and individual contribution ratio

God is the five insurance and one gold: social security five insurance and one gold, including old-age insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, unemployment insurance, social insurance, social insurance, unemployment insurance, unemployment insurance and maternity insurance. insurance, industrial injury insurance, maternity insurance, housing provident fund.

Secret of the five insurance and gold scam: your money is not paid in vain

Formal five insurance and gold payment ratio

Next, we come to the detailed interpretation of the secret of the five insurance and gold.

1, Yichang city pension insurance: after retirement your consumption level may have to fall dramatically

Currently China's pension insurance system, to "urban workers basic pension insurance" as the core. That is, people who work are deducted a sum of money from their paychecks every month, and when they reach the legal retirement age (60 years old for men and 50 years old for women), they can receive a pension from the social security system.

Suppose you graduated from university at the age of 22 and worked in Beijing, which has the highest pension development index in China, with an average monthly income of 8,000 yuan (the average monthly salary in Beijing was 4,672 yuan in 2011) and a unit contribution of 8,000 yuan to the salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, the pension you receive after retirement is $8,624. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2, Yichang City, medical insurance: not all the disease can get insurance

plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, health insurance does not care.

In addition, if the unfortunate traffic accident, or by thugs hurt, these are not in the medical insurance coverage, only in the public security organs to prove that really can not find the victim of the case, can be by the medical insurance temporary write-off.

There are also many restrictions on the use of health insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be near the hospital, but must be within three working days, the date of hospitalization, the name of the hospital and other information will be reported to the participant health insurance agencies for the record, the condition of stabilization after the need to continue to treat, it should be transferred to the designated medical institutions in time to seek medical treatment.

3, Yichang city to receive unemployment benefits, must first meet the following two conditions:

1) the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance contributions for a full year

2) non-owner-initiated resignation

Then there is a whole lot of formalities to be done: should be in the date of leaving the job within 60 days of the vocational guidance and training card, household registration, identity card, the termination of labor (employment). The first thing you need to do is to register for unemployment with the labor security department of the street or town where your household is located within 60 days of the date of separation with your vocational guidance and training card, household register, ID card, proof of termination of the labor (employment) contract or working relationship, and a photo to apply for unemployment insurance benefits.

Note that the location of the hukou, that is to say, if your hukou in Gansu, and people work in Shanghai, you have to go a long way back home to do. The current standard, most of the city's monthly unemployment insurance premiums vary from a few hundred dollars, basically no more than 1,000 yuan, the more economically disadvantaged areas, the less you can receive. Money is not much, can be collected for a long time is not long: unemployed before the cumulative contribution of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of more than 10 years, up to 24 months.

4, Yichang City, work-related injury insurance: 48 hours of life and death line

June 19, the network appeared on an article entitled "minor civilian workers die 1 hour late is not considered a workplace fatality forcing people to die early? the net post. The net post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. As Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told that Article 15 of China's Work Injury Insurance Regulations stipulates that if a person dies of a sudden illness during working hours and at work, or if he dies within 48 hours after being rescued, the death will be treated as a work injury. Chen Guo is the onset of the 49th hour after the death, is not considered a work injury.

In fact, the dispute and litigation on the recognition of work injury has been continuous. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5, Yichang City, maternity insurance: must have a unit

The birth of a child is a very personal thing, but if there is no work unit, it is difficult to enjoy maternity insurance. This is because maternity insurance must be paid by the unit. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance can only be enjoyed if you have paid contributions for at least one year. After the birth of a child, you will have to continue to pay, but if you don't, you won't be able to enjoy the benefits of family planning at a later stage.

6, Yichang City, housing fund: long-term not cost-effective

Many people know that every month the unit to pay the housing fund the more the better, the future to buy a house, decoration can be used. But for those who don't buy a house, or aren't planning to buy a house in the short term, it's not cost-effective to have a provident fund just sitting on your account.

This is because the portion of the provident fund that is paid in the current year can only earn a demand deposit rate, while the funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is obviously not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance funds, you have figured out?

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